Yes i have experience not trying to get money out of a Thai bank when a person passes Bangkok bank have kept me waiting for 1.5 years im now in the process of going to the court to get an authorised letter to release the monies . This has taught me a valuable lesson I now keep a minimum amount in Thai banks with the 800 k make use of it by living off it then two months prior to renewal top it back up to the 800k you can take it down to 400,000 baht